Conventional Loan Skills for Mortgage Credit Analysis to Evaluate Risk, Approve Borrowers, Excel in Real Estate Finance+
What is a Mortgage Credit Analyst? How can I start a career in mortgage credit analysis?
What you’ll learn
- What a mortgage credit analyst does and why the role is essential in the lending process.
- How to prepare for and land a job as a mortgage credit analyst—resume, interview, and job search strategies.
- How to understand and navigate the full mortgage process from pre-approval to closing.
- Learn how to review financial documents like pay stubs, tax returns, and bank statements.
- Discover how to calculate and assess key financial ratios like Debt-to-Income (DTI) and Loan-to-Value (LTV).
- Learn to identify high-risk borrowers and common red flags in loan applications.
- How to calculate and assess key financial ratios like Debt-to-Income (DTI) and Loan-to-Value (LTV).
- Understanding of mortgage regulations and compliance standards (ECOA, FCRA, etc.).
- Best practices for accuracy, compliance, and fraud prevention in credit analysis.
- How to analyze and interpret credit reports, credit scores, and payment histories.
- An overview of mortgage loan types: Conventional, FHA, VA, and USDA.
Course Content
- Module 1: Introduction to Mortgage Credit Analysis –> 7 lectures • 18min.
- Module 2: Understanding mortgages and how credit analysts fit in the process –> 4 lectures • 10min.
- Module 3: Credit, financial documents, and red flags –> 5 lectures • 13min.
- Module 4: Mortgage rules and regulations –> 3 lectures • 8min.
- Module 5: How to land your mortgage credit analyst job –> 4 lectures • 6min.
Requirements
What is a Mortgage Credit Analyst? How can I start a career in mortgage credit analysis?
Start your career as a mortgage credit analyst with this comprehensive crash course designed for beginners, recent graduates, and professionals looking to break into the mortgage and finance industry. Learn the fundamentals of credit analysis, borrower evaluation, and mortgage qualification standards used by top lenders across the country.
This course provides step-by-step instructions on how to review credit reports, assess income and assets, calculate key financial ratios, and follow industry guidelines to make sound credit decisions. By the end, you’ll have the tools to confidently evaluate mortgage applicants and take your first step toward a stable, high-paying career.
Whether you’re an aspiring credit analyst, a loan officer, a processor, or someone exploring opportunities in the mortgage space—this course is your fast track to getting hired.
WHAT YOU CAN EXPECT TO LEARN FROM THIS COURSE
- Understand the role and responsibilities of a mortgage credit analyst
- Learn the step-by-step mortgage loan process from application to approval
- Analyze credit reports, scores, and payment history
- Review income, tax returns, and bank statements to determine mortgage eligibility
- Calculate and evaluate DTI (Debt-to-Income) and LTV (Loan-to-Value) ratios
- Spot red flags and assess borrower risk
- Understand Fannie Mae, Freddie Mac, FHA, and VA guidelines
- Learn the difference between loan types and borrower profiles
- Prepare for job interviews and create a resume that gets you hired
WHAT’S INCLUDED IN THIS COURSE?
- Instructor-led Video Lessons – Focused and practical tutorials to get you job-ready
- Downloadable Resources – Credit analysis cheat sheets, Specific mortgage credit analyst resume, Credit analysis worksheet, Mortgage Credit Analyst Interview Questions & Sample Answers, and Real borrower scenario examples
- Real-World Scenarios – Practical exercises to test and apply your knowledge
- Quizzes and Assessments – Track your progress as you master credit evaluation
- Lifetime Access – Learn at your own pace and revisit any lesson anytime
- Instructor Q&A – Ask questions and get direct support from your instructor
Get to Know the Course Outline and What’s Covered in This Course…
Module 1: Introduction to Mortgage Credit Analysis
- What is a Mortgage Credit Analyst?
- Why this role is essential in the mortgage industry
- Credit analysis vs. mortgage underwriting
- Career outlook and salary potential
Module 2: The Mortgage Process Explained
- Loan application to closing: step-by-step
- Key mortgage terms and how they apply to your role
- Overview of loan types (Conventional, FHA, VA, USDA)
Module 3: Reviewing Credit Reports
- Understanding credit scores and what impacts them
- How to read and analyze credit reports
- Common credit issues and red flags
Module 4: Evaluating Borrower Financials
- Analyzing income: W-2s, pay stubs, and tax returns
- Evaluating assets: bank statements and reserves
- Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios
Module 5: Risk Assessment & Compliance
- Identifying borrower risk factors
- Understanding fair lending laws and credit compliance
- How to follow industry guidelines (Fannie Mae, Freddie Mac, FHA, VA)
Module 6: Preparing for the Job Market
- Resume-building for credit analyst positions
- What hiring managers look for
- Interview questions and how to prepare for success
Module 7: Case Studies & Practice Exercises
- Sample mortgage scenarios and how to analyze them
- Practice credit analysis with real-world borrower profiles
- Hands-on worksheets and templates
Module 8: Launching Your Career
- Getting certified and building your credibility
- Where to find mortgage credit analyst jobs
- Tools, resources, and continuing education
WHO IS YOUR INSTRUCTOR?
With over 18+ years in the mortgage industry and hundreds of loans closed, Joe Correa is the President & CEO of Finibi Mortgage Inc. and a trusted name in mortgage education. With over 45,000+ students and thousands of positive reviews, you can trust that you’re learning from one of the best in the business.
TAKING ACTION
This course isn’t just about watching videos—it’s about taking action. You’ll be asked to work through real-world examples, complete practice exercises, and start building the skills that employers are looking for today.
You’ll leave this course with practical knowledge that applies directly to the real world of mortgage lending and credit risk analysis.
NOW IS THE TIME TO START A CAREER IN MORTGAGE CREDIT ANALYSIS!
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Don’t wait to take your career to the next level.
Enroll in “How to Become a Mortgage Credit Analyst” today and start building your future!
Click the button below to get started now—I’ll see you in the course!